Bay City, MI Homes for Sale with Garage

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  /17

  $324,900 New Construction

  • 2 Beds
  • 2 Baths
  • 1,241 Sq Ft

  16 Cove Dr, Bay City, MI 48706

  SAGINAW RIVER VIEWS – NEXT TO WHEELER LANDING YACHT HARBOR! BONUS IT’S BARRIER FREE ACCESSIBILITY!!! PROPERTY TAXES REDUCED 50% FOR UP TO 15 YEARS!! If you love the waterfront lifestyle without the waterfront prices, this condo is for you! Enjoy scenic river views and the convenience of Wheeler Landing right next door. The studs are up and waiting for you to make this brand new 2 bedroom, 2

  Jean Ann DeShano RE/MAX Results

  16 Cove Dr, Bay City, MI 48706
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  /45

  $184,900

  • 3 Beds
  • 1.5 Baths
  • 2,010 Sq Ft

  507 S Johnson St, Bay City, MI 48708

  Welcome home to this charming ranch-style home nestled in Hampton Township. This well-maintained 3-bedroom, 1.5-bath home offers 1,340 square feet of comfortable living space on a spacious 0.31-acre lot. Step inside to find hardwood floors in the living room and dining room. The spacious living room is perfect for relaxing or entertaining, while the dining area offers a cozy spot for family

  Amy Schnople Century 21 Affiliated

  

  507 S Johnson St, Bay City, MI 48708
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  /8

  $324,900 New Construction

  41 OR 43 Cove Dr, Bay City, MI 48706

  41 OR 43 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years approximately 50% reduction!! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

  Jean Ann DeShano RE/MAX Results

  41 OR 43 Cove Dr, Bay City, MI 48706
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  /30

  $142,000

  • 4 Beds
  • 2 Baths
  • 1,054 Sq Ft

  1705 Fitzhugh St, Bay City, MI 48708

  We're Showing Off.. check out our new Pics!! 4-Bedroom Family Home on Fitzhugh!! This 1054 sqft home has been the Family Hub for years of countless tales, lots of love and lasting memories. The main floor offers an eat-in kitchen, 2 bedrooms with hardwood flooring, bathroom and living room with coved ceiling, lots of natural light and hardwood floors under carpet. The upper level provides a

  Shellie Schlicker Priority One Real Estate

  1705 Fitzhugh St, Bay City, MI 48708
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  /8

  $324,900 New Construction

  55 OR 53 Cove Dr, Bay City, MI 48706

  53 OR 55 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years, approximately 50% reduction!! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

  Jean Ann DeShano RE/MAX Results

  55 OR 53 Cove Dr, Bay City, MI 48706
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  /31

  $122,900

  • 4 Beds
  • 1.5 Baths
  • 1,423 Sq Ft

  801 Marchand St, Bay City, MI 48706

  Opportunity knocks with this partially renovated property in a desirable, quiet neighborhood just 2.5 miles from Bay access — perfect for quick weekend getaways and enjoying the water in minutes! Heavy lifting is done, with over $35,000 already invested in major upgrades including new furnace & hot water heater, new siding, electrical work, basement improvements, interior demo, and a full

  Tyler Johnson Non-Member Office

  801 Marchand St, Bay City, MI 48706
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  /8

  $649,900 New Construction

  29 OR 31 Cove Dr, Bay City, MI 48706

  Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay County’s premier new Saginaw River waterfront condominium community, thoughtfully designed for comfort, quality, and convenience. Featuring modern single and two-story duplex-style condos, this vibrant neighborhood offers the perfect blend of

  Jean Ann DeShano RE/MAX Results

  29 OR 31 Cove Dr, Bay City, MI 48706
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  /14

  $44,900

  • 2 Beds
  • 1 Bath
  • 747 Sq Ft

  810 Fitzhugh St, Bay City, MI 48708

  24-hour notice to show. Calling all investors. Home is currently a city-certified rental and has a long-term month-to-month renter but could also be a nice starter home or for someone looking to downsize. Nice 2 bedroom in the South End. New Hot Water Heater in 2025. New Oven in 2023. New Privacy Fence in 2023. 820 Fitzhugh is also for Sale. Get them both and start building your portfolio. Taxes

  Jill Maxon Century 21 Signature Realty - Bay City

  810 Fitzhugh St, Bay City, MI 48708
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  /38

  $152,500

  • 6 Beds
  • 2 Baths
  • 2,952 Sq Ft

  224 N Madison Ave, Bay City, MI 48708

  MEMORIES START ON MADISON! Welcome to this 6 bedroom, 2 bathroom Victorian home found near uptown Bay City. With almost 3,000 square feet of living space, this two story home was built in 1900 and greets you with a large front porch. Just inside you’ll see the sitting room with 3 large windows and hardwood floors, a living room that highlights a fireplace and the continuation of the hardwood

  T.J. Peters Modern Realty

  

  224 N Madison Ave, Bay City, MI 48708
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  /8

  $324,900

  22 OR 24 Cove Dr, Bay City, MI 48706

  22 OR 24 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years APPROXIMATELY 50% REDUCTION! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

  Jean Ann DeShano RE/MAX Results

  22 OR 24 Cove Dr, Bay City, MI 48706
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  /8

  $334,900 New Construction

  61 Cove St, Bay City, MI 48706

  61 COVE DRIVE. THE ONLY STAND ALONE CONDO IN IRON BRIDGE! NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years, approximately 50% reduction. Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge

  Jean Ann DeShano RE/MAX Results

  61 Cove St, Bay City, MI 48706
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  /18

  $579,200 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,817 Sq Ft

  2251 Creekmore Ln, Bay City, MI 48706

  Welcome to Monitor Township, where the perfect balance of country charm and modern living awaits you at this newly constructed Cobblestone Home. Designed with attention to detail, this sprawling ranch offers a generous 1817 square feet of comfortable living space, perfectly suited for families, retirees, or anyone looking for a peaceful retreat without sacrificing convenience. Size: 1817 sq ft

  Marshall Mannion Cobblestone Realty LLC

  

  2251 Creekmore Ln, Bay City, MI 48706
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  /44

  $369,900

  • 4 Beds
  • 2.5 Baths
  • 3,260 Sq Ft

  3971 Peppermill Ln, Bay City, MI 48706

  This fully updated 5 bedroom, 2.5 bathroom home offers modern finishes, generous space, and a partially finished basement—perfect for additional living, entertainment, or storage. Step inside to fresh paint throughout, brand-new flooring, and a bright, open layout. The kitchen features new quartz countertops, a stylish tile backsplash, and updated cabinetry, creating a clean and timeless look.

  MC Fortune Our Home & Co Real Estate

  

  3971 Peppermill Ln, Bay City, MI 48706
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  /45

  $449,000

  • 2 Beds
  • 1 Bath
  • 975 Sq Ft

  9 Bay Shore Dr, Bay City, MI 48706

  Attention Ice Fishermen & Snowmobilers! Welcome to your all-season lakefront playground in beautiful Bay City, Michigan — where winter mornings begin with a snowmobile ride across the frozen lake, and summer evenings end with sunsets over the water. This year-round lake house blends comfort, style, and adventure all in one. In the colder months, step right out your back door to enjoy ice fishing

  Sherry MacDonald NORTH & COMPANY REALTORS GLBR

  9 Bay Shore Dr, Bay City, MI 48706
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  /40

  $459,000

  • 3 Beds
  • 2.5 Baths
  • 2,746 Sq Ft

  5979 Faith Blvd, Bay City, MI 48706

  Luxurious Condos for Pre-Sale in Bay City. Prime Location At Bay Valley Resort Move-In Date: Early 2026 Modern Design: Sleek, contemporary architecture withhigh-end finishes. Customizable Options: Personalize your new home with a selection of flooring, cabinetry, and countertop options. Why Buy Pre-Sale? Lock in Your Price: Secureyour unit at today’s price. First Choice: Get the best selection of

  Wade Eckenrod RE/MAX Results

  5979 Faith Blvd, Bay City, MI 48706
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  /47

  $169,000

  • 3 Beds
  • 1.5 Baths
  • 942 Sq Ft

  2538 22nd St, Bay City, MI 48708

  ***OPEN HOUSE SUN 12/14 1-3PM*** PRESTIGIOUS IN PORTSMOUTH! Fully renovated with high-level craftsmanship, this 3 bed 1.5 bath bungalow is turn-key ready for YOU! Open concept with new vinyl flooring throughout living area and bedrooms. Spacious updated full bath with ceramic tile and beautiful high-end fixtures. Updated kitchen with quartz counter tops and all new appliances including

  Victor Talaga Make It Happen Real Estate

  2538 22nd St, Bay City, MI 48708
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  /22

  $104,900

  • 2 Beds
  • 1 Bath
  • 840 Sq Ft

  2810 Mix Ave, Bay City, MI 48708

  2-bedroom 1-bath home in the South End of Bay City. Detached garage and fenced-in back yard. Corner lot!

  Carl Brink Century 21 Signature Realty - Bay City

  2810 Mix Ave, Bay City, MI 48708
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  /50

  $850,000

  • 4 Beds
  • 4.5 Baths
  • 6,974 Sq Ft

  1870 Freeland Rd, Bay City, MI 48706

  Experience Luxury Living on the beautiful refurbished Bay City Country Club! This stunning custom built home features 4/5 bedrooms and 5 bathrooms. The kitchen is outfitted with top-of-the-line appliances. The beautiful wood burning fireplace in the Great Room adds warmth and charm. The over 3,000 square feet of professionally finished lower level is perfect for entertaining! It features a

  Cathy Serafini Century 21 Signature Realty - Bay City

  1870 Freeland Rd, Bay City, MI 48706
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  /41

  $324,900 New Construction

  • 2 Beds
  • 2 Baths
  • 1,241 Sq Ft

  12 Cove Dr, Bay City, MI 48706

  SAGINAW RIVER VIEWS – NEXT TO WHEELER LANDING YACHT HARBOR! BONUS IT’S BARRIER FREE ACCESSIBILITY!!! PROPERTY TAXES REDUCED 50% FOR UP TO 15 YEARS!! This stunning 2-bedroom, 2-bath condominium is designed with full barrier-free accessibility, offering step-free living, wide entryways, and an open layout for maximum comfort and convenience. Built with energy-certified construction, the home

  Jean Ann DeShano RE/MAX Results

  12 Cove Dr, Bay City, MI 48706
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  /20

  $189,900

  • 2 Beds
  • 1.5 Baths
  • 1,240 Sq Ft

  1110 Anchor Way, Bay City, MI 48706

  Welcome home to this bright and airy 2-bedroom, 1.5-bath condo that has been lovingly cared for and updated. Step inside to find a warm and inviting layout featuring beautiful custom cabinets, spacious bedrooms, and main floor laundry. Skylights allow natural light to pour in, enhancing the open feel throughout. The finished 2-car garage offers great storage, and the large open basement provides

  Matt Hechlik Berkshire Hathaway HomeServices, Bay City

  1110 Anchor Way, Bay City, MI 48706
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  /20

  $169,900

  • 2 Beds
  • 1 Bath
  • 1,215 Sq Ft

  6264 Greenview Place, Bay City, MI 48706

  High demand Bay Valley condo featuring 2 bedrooms, attached garage, updated kitchen with hard surface counter tops, large living room w/ formal dining, primary bedroom w/ walk-in closet, central air plus so much more. These condo's have been moving FAST so set your showing today!

  John Reminder RE/MAX Results

  6264 Greenview Place, Bay City, MI 48706
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  /37

  $295,000

  • 3 Beds
  • 1.5 Baths
  • 1,949 Sq Ft

  2347 Amelith Rd, Bay City, MI 48706

  Discover this 3-bedroom, 1.5-bath home offering 1,949 sq ft of living space in highly desirable Frankenlust Township, where you can enjoy country living while staying close to everything. Conveniently located between Bay City and Saginaw, with quick access to I-75 and just minutes from SVSU and Delta College, this home sits on a half-acre lot and features an attached 2-car garage, storage shed,

  Ryan Sagady Bay Realty Michigan

  

  2347 Amelith Rd, Bay City, MI 48706
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  /20

  $139,900

  • 2 Beds
  • 1.5 Baths
  • 1,421 Sq Ft

  2114 S Madison Ave, Bay City, MI 48708

  Well Built Brick Ranch Home on quiet South End Street. This Solid Home features Hardwood Floors and flawless Plaster Walls. Eat-in Kitchen which opens to the Living Room. Vinyl Windows throughout the Home plus a beautiful Sun Porch. Main Floor Bathroom has a walk - in shower. Full Basement includes a 2nd Bathroom plus additional Living Space and Laundry Area. Newer Boiler and Water Heater. 1.5

  Michael Meehleder Ayre/Rhinehart Bay REALTORS

  2114 S Madison Ave, Bay City, MI 48708
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  /17

  $52,500

  • 3 Beds
  • 1 Bath
  • 1,257 Sq Ft

  600 Wilson St, Bay City, MI 48708

  3 bedroom 1 bath home offers room to grow. Make it your own! Det garage for storage. Vinyl siding. Get in for the holidays! keys at closing. Close to Riverfront activities.

  All Star Real Estate All Star Real Estate

  600 Wilson St, Bay City, MI 48708
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  /32

  $175,000

  • 5 Beds
  • 2 Baths
  • 2,477 Sq Ft

  1715 5th St, Bay City, MI 48708

  Beautiful Victorian style home with loads of character on a corner lot with generous room sizes, 5 bedrooms, 2 full baths (one of each on the main level) + a half bath in the basement, mostly vinyl windows, central air, gorgeous wood floors and trim, tall ceilings, walls of built ins and amazing storage, quaint island kitchen with pantry, beautiful formal dining room with lovely vintage windows

  Joan Swide RE/MAX Results

  1715 5th St, Bay City, MI 48708
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  /39

  $445,000

  • 3 Beds
  • 3 Baths
  • 2,434 Sq Ft

  526 Green Ave, Bay City, MI 48708

  526 Green Avenue, Bay City - Mid Century Modern Beauty Step inside this beautifully renovated mid-century home offering 2434 sq ft, 3 bedrooms, and 3 baths. Designed with style and comfort in mind, this residence blends timeless architecture with modern updates throughout. Highlights include completely renovated interior with fresh paint, new flooring and updated lighting, stunning new kitchen

  Howard Diefenbach Century 21 Signature Realty - Bay City

  526 Green Ave, Bay City, MI 48708
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  /16

  $184,900

  • 3 Beds
  • 2 Baths
  • 1,750 Sq Ft

  704 Bay Rd, Bay City, MI 48706

  Welcome home to this charming 3-bedroom, 2-bath ranch featuring a fully fenced front and backyard. Enjoy a cozy living room, a comfortable dining area, and a spacious main bedroom with cathedral ceilings, an en-suite bath, and a walk-in closet. The attached garage has been converted into a heated workshop—perfect for hobbies, storage, or additional workspace. Step outside to the back patio, ideal

  Zachary Kuch EXP Realty LLC

  

  704 Bay Rd, Bay City, MI 48706
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  /20

  $399,900 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,971 Sq Ft

  14 Cove Dr, Bay City, MI 48706

  SAGINAW RIVER VIEWS – NEXT TO WHEELER LANDING YACHT HARBOR! BONUS IT’S BARRIER FREE ACCESSIBILITY!!! PROPERTY TAXES REDUCED 50% FOR UP TO 15 YEARS!! If you love the waterfront lifestyle without the waterfront prices, this home is for you! Enjoy scenic river views and the convenience of Wheeler Landing right next door. The studs are up and waiting for you to make this brand new 4 bedroom, 2 1⁄2

  Jean Ann DeShano RE/MAX Results

  14 Cove Dr, Bay City, MI 48706
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  /46

  $474,900

  • 3 Beds
  • 3 Baths
  • 2,970 Sq Ft

  201 Lagoon Beach Dr, Bay City, MI 48706

  Welcome to waterfront living! This brick ranch located on the Kawkawlin River Lagoon is ideal for boating enthusiasts with just a short drive to the Saginaw Bay for year round water sports! The home boasts 3 beds (with a potential 4th in the basement), 3 full bathrooms, and nearly 1800 sq feet on the main floor plus a full finished basement. The nicely equipped kitchen has loads of cabinetry, a

  The Ryan Valdera Erica Roseberry Team Berkshire Hathaway HomeServices, Bay City

  201 Lagoon Beach Dr, Bay City, MI 48706
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  /26

  $128,900

  • 3 Beds
  • 1 Bath
  • 1,321 Sq Ft

  203 Elm St, Bay City, MI 48706

  One family owned home for many years, this West side Bay City beauty is on the market. Nearly everything in the home has been updated over the years including the electrical, plumbing and the entire interior. Spacious Living and Dining Room area with an open floorplan. 3 bedrooms plus an office. Main floor laundry and utility room plus a large 2+ car garage with additional storage in the loft and

  Michael Meehleder Ayre/Rhinehart Bay REALTORS

  203 Elm St, Bay City, MI 48706
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  /23

  $259,000

  • 4 Beds
  • 2.5 Baths
  • 2,021 Sq Ft

  2907 Peachtree Dr, Bay City, MI 48706

  Peaceful Setting on Peachtree. You will Love the Quiet Dead End Court in High Demand Monitor Twp. Great Location only 1 minute to Jacks and easy access to I-75 and the Local Colleges. This Spacious 2021 Sq Ft, 4 Bedroom, 2.5 Bath with a full Basement and well maintained home is priced for Immediate sale to settle the Estate. Fully fenced yard for Fido. Relaxing patio overlooks the pond with

  Wade Eckenrod RE/MAX Results

  2907 Peachtree Dr, Bay City, MI 48706
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  /8

  $649,900 New Construction

  33 OR 35 Cove Dr, Bay City, MI 48706

  Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay County’s premier new Saginaw River waterfront condominium community, thoughtfully designed for comfort, quality, and convenience. Featuring modern single and two-story duplex-style condos, this vibrant neighborhood offers the perfect blend of

  Jean Ann DeShano RE/MAX Results

  33 OR 35 Cove Dr, Bay City, MI 48706
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  /19

  $84,347

  • 2 Beds
  • 1 Bath
  • 1,048 Sq Ft

  1010 13th St, Bay City, MI 48708

  Full of charm and character, this 2-bedroom, 1-bath Bay City gem is full of warmth and character, featuring gorgeous old wood details and updated flooring throughout. The open floor plan creates a comfortable flow from the spacious entryway to the cozy living areas. You’ll love the large, enclosed porch — perfect for relaxing with your morning coffee or hosting friends. The full basement provides

  Jaime Schaefer NextHome Park Place Homes Group

  1010 13th St, Bay City, MI 48708
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  /60

  $1,195,000

  • 4 Beds
  • 4.5 Baths
  • 4,617 Sq Ft

  1111 N Water St Unit 403, Bay City, MI 48708

  Welcome to a rare opportunity to own one of Bay City's most distinguished waterfront residences. This remarkable penthouse spans over 4,600 square feet of impeccably designed living space, featuring timeless finishes, exceptional craftsmanship, and sweeping views of the Saginaw River. With 4 bedrooms and 5 bathrooms, the residence is anchored by a luxurious primary suite offering private balcony

  Karah Ralph Century 21 Signature Realty Midland

  

  1111 N Water St Unit 403, Bay City, MI 48708
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  /34

  $259,900

  • 3 Beds
  • 1.5 Baths
  • 1,353 Sq Ft

  1870 Morin Dr, Bay City, MI 48708

  Welcome to 1870 Morin Street, a solid 1956 brick ranch offering 1,352 sq ft of comfortable, move-in ready living space. This well-cared-for home features 3 bedrooms, 1 full bath, and 1 half bath, with brand-new paint and flooring throughout, giving it a fresh and modern feel. The inviting living room centers around a charming fireplace, creating a warm gathering space for family and friends. An

  Howard Diefenbach Century 21 Signature Realty - Bay City

  1870 Morin Dr, Bay City, MI 48708
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  /18

  $105,000

  • 2 Beds
  • 1 Bath
  • 576 Sq Ft

  1105 S Jefferson St, Bay City, MI 48708

  Discover this charming and affordable 2-bedroom, 1-bath home at 1105 S. Jefferson St. in Bay City. With plenty of cozy living space and an easy-to-maintain layout, this property is ideal for first-time home buyers, downsizers, or investors seeking a practical and budget-friendly opportunity. A detached one-car garage adds convenience, while the manageable lot provides just enough outdoor space

  Josh Burch Ayre Rhinehart Real Estate Partners

  1105 S Jefferson St, Bay City, MI 48708
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  /19

  $219,900

  • 3 Beds
  • 2.5 Baths
  • 2,277 Sq Ft

  4848 W Westgate Dr, Bay City, MI 48706

  Welcome to this well maintained ranch located in desirable Monitor Township on Bay City’s west side! This 3-bedroom, 2.5-bath home offers comfortable, single-level living with spacious rooms. The kitchen flows into the dining area and large living room, perfect for entertaining. In the basement you'll find a full bath and partially finished. On the other side is a workshop. Enjoy the convenience

  The Batch Klimek Group RE/MAX Results

  4848 W Westgate Dr, Bay City, MI 48706
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  /41

  $239,900

  • 2 Beds
  • 2 Baths
  • 1,521 Sq Ft

  17 Cove Dr, Bay City, MI 48706

  Beautiful ranch condo featuring 2 bedrooms & 2 full baths overlooking the Saginaw River. Set on the 3rd floor with an easy access elevator from the main entrance along with its own 2 car garage & 21X09 storage area at the entrance level that leads to a covered patio. Beautiful kitchen has dark wood cabinets, updated appliances & quartz countertops. Cozy gas fireplace in the living room with

  Mark Muessig Century 21 Signature Realty

  

  17 Cove Dr, Bay City, MI 48706
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  /24

  $259,900

  • 2 Beds
  • 2.5 Baths
  • 2,998 Sq Ft

  4454 E Park Dr, Bay City, MI 48706

  Well build 2 bedroom, 2 1/2 bath brick & stone ranch home located in a desirable Bangor Twp subdivision. Open floor plan with a beautiful stone wood burning fireplace in the family room. Formal living room. Spacious eat in kitchen with a large island & plenty of storage. 2 good size bedrooms. 2 full baths on the main floor & 1/2 bath in the basement. The finished basement provides additional

  Nancy Glaza Century 21 Signature Realty - Bay City

  4454 E Park Dr, Bay City, MI 48706
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  /49

  $230,000

  • 2 Beds
  • 1 Bath
  • 1,044 Sq Ft

  1246 Midland Rd, Bay City, MI 48706

  Is your Buyer Searching for a Beautiful Home in Montor Twp.? Then Look no More! This 2 Bedroom, 1 Full Bath, Brick Ranch, With a 1 Car Attached Garage, Additional 16x22 Outbuilding with Two New Side Windows & Screen Door and 24x36 Pole Barn...has Just Hit the Market! All Home Windows were Installed by "Wall Side", with Custom/White, Wooden Blinds. The Bathroom has been Updated with a New Vanity,

  Bonnie Roe RE/MAX Results

  1246 Midland Rd, Bay City, MI 48706

Showing Results 41 - 80, Page 2 of 3